:root{
      --hero:#385099;
      --navy:#3D57A4;
      --navy2:#2F4588;
      --blueInk:#243868;
      --gold:#728FC7;
      --gold2:#5A7AB5;
      --paper:#ffffff;
      --soft:#f6f7fc;
      --softGold:#E8EEF8;
      --text:#1A2744;
      --muted:#5A6A88;
      --line:#D8E0F0;
      --shadow:0 22px 58px rgba(61,87,164,.14);
      --radius:28px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--text);background:linear-gradient(180deg,#f7f8fd 0%,#F0F4FA 100%);}
    a{color:inherit}
    .container{width:min(1160px,calc(100% - 36px));margin:0 auto}
    .hero{position:relative;overflow:hidden;background-color:var(--hero);background-image:radial-gradient(circle at 88% 18%,rgba(255,255,255,.11),transparent 28%),linear-gradient(135deg,rgba(0,0,0,.025) 0%,rgba(255,255,255,.035) 100%);color:#fff;padding:28px 0 70px;border-bottom:1px solid rgba(255,255,255,.15)}
    .hero::after{content:"";position:absolute;inset:auto -140px -220px auto;width:540px;height:540px;border-radius:50%;background:rgba(114,143,199,.16);filter:blur(2px)}
    .topbar{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:8px 0 28px}
    .brand{display:inline-flex;align-items:center;gap:12px;text-decoration:none}
    .brand img{width:min(290px,58vw);height:auto;display:block;background:transparent;border-radius:0;padding:0;box-shadow:none}
    .pill{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.09);border-radius:999px;padding:10px 14px;font-size:13px;font-weight:800;color:#E8EEF8;white-space:nowrap}
    .hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.02fr .98fr;align-items:center;gap:46px;padding-top:20px}
    .eyebrow{display:inline-flex;align-items:center;gap:8px;border-radius:999px;background:rgba(114,143,199,.16);border:1px solid rgba(114,143,199,.32);padding:10px 14px;color:#D0DCF0;font-weight:900;font-size:13px;text-transform:uppercase;letter-spacing:.06em}
    h1{margin:18px 0 18px;font-size:clamp(38px,5.5vw,72px);line-height:.98;letter-spacing:-.05em;color:#fff}
    .hero p{font-size:clamp(17px,2vw,22px);line-height:1.55;color:rgba(255,255,255,.88);margin:0 0 22px;max-width:680px}
    .hero strong{color:#C5D4EE}
    .hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
    .btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:999px;padding:16px 22px;font-weight:950;text-decoration:none;cursor:pointer;font-size:15px;transition:.22s ease;min-height:52px}
    .btn-primary{background:linear-gradient(135deg,#A8C0E8 0%,var(--gold) 52%,var(--gold2) 100%);color:#243868;box-shadow:0 16px 34px rgba(114,143,199,.28)}
    .btn-primary:hover{transform:translateY(-2px);box-shadow:0 24px 46px rgba(114,143,199,.36)}
    .btn-ghost{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.22)}
    .hero-visual{position:relative}
    .hero-visual img{width:100%;height:auto;display:block;border-radius:38px;box-shadow:0 30px 70px rgba(0,0,0,.25);border:1px solid rgba(255,255,255,.18)}
    .visual-card{position:absolute;left:-18px;bottom:28px;width:min(320px,74%);border-radius:24px;background:#fff;color:var(--text);padding:18px;box-shadow:0 18px 48px rgba(0,0,0,.22);border:1px solid rgba(114,143,199,.22)}
    .visual-card b{display:block;color:var(--navy);font-size:18px;margin-bottom:5px}
    .visual-card span{display:block;color:var(--muted);font-size:13px;line-height:1.45;font-weight:700}
    .intro-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:-34px;position:relative;z-index:3}
    .mini-card{background:#fff;border-radius:24px;padding:22px;border:1px solid var(--line);box-shadow:var(--shadow)}
    .mini-card .icon{width:46px;height:46px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold),#A8C0E8);color:var(--navy);font-weight:950;margin-bottom:14px}
    .mini-card h3{margin:0 0 8px;color:var(--navy);font-size:18px}
    .mini-card p{margin:0;color:var(--muted);line-height:1.5;font-size:14px;font-weight:650}
    .section{padding:70px 0}
    .section-title{text-align:center;max-width:850px;margin:0 auto 34px}
    .section-title span{display:inline-flex;border-radius:999px;padding:9px 13px;background:#E8EEF8;color:#3D57A4;font-weight:950;font-size:12px;text-transform:uppercase;letter-spacing:.06em;margin-bottom:12px}
    .section-title h2{margin:0 0 12px;font-size:clamp(30px,4vw,48px);line-height:1.05;color:var(--navy);letter-spacing:-.035em}
    .section-title p{margin:0;color:var(--muted);font-size:17px;line-height:1.55}
    .form-shell{display:grid;grid-template-columns:350px 1fr;gap:24px;align-items:start}
    .form-sidebar{position:sticky;top:18px;background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 72%,#2F4588 100%);border-radius:var(--radius);padding:24px;color:#fff;box-shadow:var(--shadow);overflow:hidden}
    .form-sidebar::after{content:"";position:absolute;right:-80px;bottom:-110px;width:260px;height:260px;border-radius:50%;background:rgba(114,143,199,.18)}
    .form-sidebar img{position:relative;z-index:1;width:250px;max-width:100%;height:auto;background:transparent;border-radius:0;padding:0;margin-bottom:22px;filter:drop-shadow(0 8px 18px rgba(0,0,0,.16))}
    .form-sidebar h3{position:relative;z-index:1;margin:0 0 10px;font-size:26px;line-height:1.08;color:#fff}
    .form-sidebar p{position:relative;z-index:1;margin:0 0 18px;color:rgba(255,255,255,.82);line-height:1.55;font-weight:650}
    .progress-wrap{position:relative;z-index:1;margin-top:22px}
    .progress-label{display:flex;justify-content:space-between;gap:12px;font-size:13px;color:#E8EEF8;font-weight:900;margin-bottom:9px}
    .progress-track{height:12px;border-radius:999px;background:rgba(255,255,255,.14);overflow:hidden}
    .progress-bar{height:100%;width:12.5%;border-radius:999px;background:linear-gradient(90deg,#A8C0E8,var(--gold));transition:.25s ease}
    .form-card{background:#fff;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow);overflow:hidden}
    form{margin:0}
    .step{display:none;padding:clamp(22px,4vw,38px)}
    .step.active{display:block;animation:fadeIn .22s ease}
    @keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
    .step h2{margin:0 0 10px;color:var(--navy);font-size:clamp(24px,3.4vw,36px);line-height:1.08;letter-spacing:-.025em}
    .step .lead{margin:0 0 24px;color:var(--muted);line-height:1.55;font-size:16px;font-weight:650}
    .grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
    .field{margin-bottom:18px}
    label{display:block;margin:0 0 8px;color:#1A2744;font-weight:900;font-size:14px}
    .hint{display:block;margin:7px 0 0;color:#5A6A88;font-size:12px;line-height:1.45;font-weight:650}
    input[type="text"],input[type="email"],input[type="tel"],select,textarea{width:100%;border:1px solid #dfe4ef;border-radius:16px;padding:15px 16px;font:inherit;color:#1A2744;background:#fbfcff;outline:none;transition:.18s ease}
    textarea{min-height:118px;resize:vertical}
    input:focus,select:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(114,143,199,.14);background:#fff}
    .options{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
    .option{position:relative;display:flex;gap:10px;align-items:flex-start;border:1px solid #e2e7f0;border-radius:16px;padding:13px 13px;background:#fbfcff;cursor:pointer;font-weight:800;color:#243868;line-height:1.35;transition:.16s ease}
    .option:hover{border-color:rgba(114,143,199,.55);background:#F5F8FC}
    .option input{margin-top:2px;accent-color:var(--gold2);flex:0 0 auto}
    .option:has(input:checked){border-color:rgba(114,143,199,.76);background:#E8EEF8;box-shadow:0 10px 22px rgba(114,143,199,.09)}
    .is-hidden{display:none!important}
    .form-actions{display:flex;justify-content:space-between;gap:12px;border-top:1px solid var(--line);padding:22px clamp(22px,4vw,38px);background:#fafbff}
    .form-actions .btn{min-width:140px}
    .btn-back{background:#edf0f7;color:#3A4A6A}
    .btn-next,.btn-submit{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff}
    .btn-submit{background:linear-gradient(135deg,#A8C0E8 0%,var(--gold) 52%,var(--gold2) 100%);color:#243868;box-shadow:0 14px 28px rgba(114,143,199,.24)}
    .privacy{border-radius:18px;background:#f8f9fd;border:1px solid #e7ebf4;padding:15px;margin-top:6px}
    .privacy label{display:flex;gap:10px;margin:0;align-items:flex-start;color:#3A4A6A;line-height:1.45}
    .privacy input{margin-top:3px;accent-color:var(--gold2)}
    .privacy-link{display:inline;color:var(--navy);font:inherit;font-weight:950;text-decoration:underline;text-underline-offset:3px;background:transparent;border:0;padding:0;cursor:pointer}
    .privacy-modal{position:fixed;inset:0;z-index:9999;display:none;background:rgba(6,8,45,.66);backdrop-filter:blur(5px)}
    .privacy-modal.is-open{display:block}
    .privacy-panel{position:absolute;top:0;right:0;width:min(900px,94vw);height:100%;background:#fff;color:var(--text);box-shadow:-24px 0 80px rgba(0,0,0,.32);display:flex;flex-direction:column;transform:translateX(100%);animation:privacySlideIn .26s ease forwards}
    @keyframes privacySlideIn{to{transform:translateX(0)}}
    .privacy-head{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:20px 22px;background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 74%,var(--gold2) 148%);color:#fff}
    .privacy-head h2{margin:0;font-size:clamp(20px,2.4vw,30px);line-height:1.12;color:#fff}
    .privacy-close{width:44px;height:44px;border:0;border-radius:999px;background:rgba(255,255,255,.16);color:#fff;font-size:30px;line-height:1;cursor:pointer}
    .privacy-body{padding:22px;overflow:auto;line-height:1.58;color:#3A4A6A}
    .privacy-body h3{margin:24px 0 8px;color:var(--navy);font-size:19px}
    .privacy-body p{margin:0 0 12px}
    .privacy-document{max-width:820px;margin:0 auto}
    .privacy-document-title{margin:0 0 5px!important;color:var(--navy);font-size:clamp(23px,3vw,34px)!important;letter-spacing:-.02em}
    .privacy-updated{margin-bottom:24px!important;color:#65728D;font-size:14px;font-weight:800}
    .privacy-body h4{margin:22px 0 8px;color:var(--navy);font-size:17px}
    .privacy-body ul,.privacy-body ol{margin:8px 0 18px;padding-left:24px}
    .privacy-body li{margin:0 0 9px;padding-left:3px}
    .privacy-alpha-list{list-style:none;padding-left:0!important}
    .privacy-question{padding:14px 16px;border-left:4px solid var(--gold2);border-radius:0 12px 12px 0;background:#F5F7FC}
    .privacy-question strong{display:block;margin-bottom:4px;color:var(--navy)}
    .privacy-contact-value{margin-top:-7px!important;margin-left:20px;font-weight:800;color:#2F4588}
    .privacy-alert{border-radius:18px;background:#E8EEF8;border:1px solid rgba(114,143,199,.32);padding:16px;margin-bottom:18px;color:#2F4588;font-weight:750}
    .privacy-actions{display:flex;gap:12px;justify-content:flex-end;flex-wrap:wrap;padding:16px 22px;border-top:1px solid var(--line);background:#fff}
    .privacy-actions .btn{min-width:170px}
    @media(max-width:760px){.privacy-panel{width:100vw}.privacy-actions{justify-content:stretch}.privacy-actions .btn{width:100%}}
    .required-note{color:#3D57A4;background:#E8EEF8;border:1px solid rgba(114,143,199,.22);border-radius:16px;padding:12px 14px;font-size:13px;line-height:1.45;font-weight:800;margin-bottom:18px}
    .info-note{background:#fff;border:1px solid rgba(61,87,164,.12);border-left:5px solid var(--gold);border-radius:16px;padding:14px;margin:16px 0;color:#3A4A6A;line-height:1.48;font-weight:750}
    .hidden-field{position:absolute;left:-9999px;opacity:0;height:0;width:0;overflow:hidden}
    .result-modal{position:fixed;inset:0;z-index:50;display:none;align-items:center;justify-content:center;padding:22px;background:rgba(61,87,164,.72);backdrop-filter:blur(7px)}
    .result-modal.is-open{display:flex}
    .result-card{width:min(620px,94vw);background:#fff;border-radius:30px;padding:34px;text-align:center;box-shadow:0 28px 90px rgba(0,0,0,.32);border:1px solid rgba(255,255,255,.7)}
    .result-icon{width:78px;height:78px;display:grid;place-items:center;margin:0 auto 18px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold2));color:#243868;font-size:38px;font-weight:950}
    .result-modal.is-error .result-icon{background:linear-gradient(135deg,#ff7676,#c53030);color:#fff}
    .result-card h2{margin:0 0 10px;color:var(--navy);font-size:32px;line-height:1.08}
    .result-card p{margin:0 auto 24px;color:#3A4A6A;line-height:1.55;font-size:17px;white-space:pre-line}
    .footer{padding:32px 0 44px;text-align:center;color:#5A6A88;font-size:13px;font-weight:700}
    .error-box{display:none;margin:0 0 18px;border-radius:16px;background:#fff0f0;border:1px solid #ffd0d0;color:#9b1c1c;padding:12px 14px;font-weight:800;line-height:1.45}
    .error-box.show{display:block}
    @media(max-width:980px){.hero-grid,.form-shell{grid-template-columns:1fr}.form-sidebar{position:relative;top:auto}.intro-cards{grid-template-columns:1fr}.hero-visual{max-width:680px}.form-sidebar img{width:190px}.topbar{align-items:flex-start;flex-direction:column}.pill{white-space:normal}.visual-card{left:16px;bottom:16px}.section{padding:52px 0}}
    @media(max-width:680px){.container{width:min(100% - 24px,1160px)}.hero{padding-top:18px}.hero-grid{gap:28px}.hero-actions .btn{width:100%}.grid-2,.options{grid-template-columns:1fr}.form-actions{flex-direction:column-reverse}.form-actions .btn{width:100%}.brand img{width:min(235px,70vw)}.visual-card{position:relative;width:100%;left:auto;bottom:auto;margin-top:-12px}.hero-visual img{border-radius:26px}.form-card,.form-sidebar{border-radius:22px}}